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Home » Custom Motorcycle Insurance: What You Need to Know.
October 3, 2023
Northwest Classic Insurance

Custom Motorcycle Insurance: What You Need to Know.

For motorcycle enthusiasts, there’s nothing quite like the thrill of hitting the open road on a custom bike that perfectly reflects your style and personality. Owning a custom motorcycle is a labor of love, and just like any other prized possession, it deserves the right protection. At Northwest Classic Insurance, a family-owned insurance agency, we understand the unique needs of motorcycle owners, especially those with custom rides. In this blog post, we’ll explore the ins and outs of custom motorcycle insurance, providing you with the knowledge you need to ensure your cherished two-wheeler is properly protected.

  1. Understand Your Bike’s Value

One of the first steps in obtaining the right insurance for your custom motorcycle is determining its value. Unlike standard motorcycles, custom bikes often have unique modifications and aftermarket parts that can significantly affect their worth. Make a comprehensive list of all customizations, including paint jobs, performance upgrades, and custom accessories. Consider having your bike appraised to establish an accurate value. This information will be invaluable when choosing the right coverage limits.

  1. Agreed Value vs. Actual Cash Value

When insuring a custom motorcycle, you’ll typically have two options for coverage: agreed value and actual cash value.

  • Agreed Value: This type of policy establishes a predetermined value for your motorcycle. In the event of a total loss, you’ll receive the agreed-upon amount, which is often based on your bike’s appraised value. This option provides certainty and peace of mind, especially for owners of custom motorcycles with unique features.
  • Actual Cash Value: This type of policy pays out the current market value of your motorcycle at the time of the loss. While this option may be more affordable, it can leave you with insufficient funds to replace or repair your custom bike if it’s totaled or stolen.
  1. Specialized Coverage

Custom motorcycles often require specialized coverage to protect against unique risks. Consider adding coverage for custom parts and accessories, roadside assistance, and coverage for trips and rallies. These additional coverages can help ensure that your custom motorcycle is protected in various scenarios.

  1. Safe Storage

Where and how you store your custom motorcycle can impact your insurance rates. Storing your bike in a secure, locked garage can often lead to lower premiums since it reduces the risk of theft or damage. Be sure to inform your insurance provider about your storage arrangements to maximize your savings.

  1. Discounts and Bundling

Explore potential discounts for your custom motorcycle insurance. Many insurance providers offer discounts for safe riding records, completing rider safety courses, and bundling motorcycle insurance with other policies, such as auto or home insurance. Take advantage of these opportunities to save on your premiums.



Owning a custom motorcycle is a passion that deserves the right protection. Custom motorcycle insurance from Northwest Classic Insurance can provide you with the peace of mind and financial security you need to fully enjoy your unique ride. By understanding the value of your bike, choosing the right coverage type, and exploring specialized options, you can ensure that your custom motorcycle is protected against the unexpected. Contact us today to discuss your custom motorcycle insurance needs and ride with confidence knowing that your prized possession is in good hands.

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